Kiavi for North Carolina investors
Kiavi Funding LLC (NMLS #1125207) was acquired by Figure Technology Solutions; the acquisition closed 1 September 2026 and DSCR loans are now originated by Figure Lending LLC dba Figure. Figure has not published a timeline for combined guidelines or pricing. Kiavi (formerly LendingHome) was one of the largest hard money lenders by volume in the country, with a tech-forward platform and fast underwriting for experienced borrowers active across Chicago and all major investor markets.
North Carolina context
North Carolina strong Sunbelt growth. Charlotte and Raleigh-Durham dominant. Asheville STR contested.
How Kiavi positions in North Carolina
The North Carolina lender pool for DSCR includes Kiavi among the active platforms. North Carolina top metros (Charlotte, Raleigh, Greensboro) see meaningful Kiavi loan volume.
City-level coverage in North Carolina
Kiavi provides DSCR coverage across North Carolina metros including Charlotte, Raleigh, and Greensboro. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Kiavi program terms apply uniformly across North Carolina metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | fix-and-flip, BRRRR, rental, bridge, new-construction |
| Loan size | $100K - $2.0M |
| Rates | 5.875%-12% |
| Points | 1 - 3 |
| Max LTV | 80% of ARV |
| Term lengths | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 7-14 days typical |
| North Carolina property tax | 0.8% |
| North Carolina state income tax | 4.5% |
Kiavi strengths in North Carolina
- national leader by volume
- tech-forward application
- aggressive on funded-deals-history borrowers
- broad property type coverage
Ideal borrower: Experienced investor wanting fast tech-driven origination with national reach
FAQ
Yes, operates nationally including North Carolina. Kiavi is based in San Francisco, CA and operates nationally.
Charlotte is the top investor market in North Carolina and falls within Kiavi national coverage. Charlotte property tax follows the North Carolina state rate of 0.8 percent. Kiavi typically underwrites Charlotte acquisitions at standard rate sheets.
Yes. Raleigh ranks among the larger North Carolina investor metros and sees consistent DSCR loan volume from Kiavi. Submarket variation within Raleigh matters for property selection.
Kiavi applies the same rate sheet across North Carolina metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Charlotte, Raleigh, and Greensboro all qualify for the same Kiavi program.
Kiavi indicative DSCR rate range is 5.875 to 12 percent with 1 to 3 points.
North Carolina strong Sunbelt growth. Charlotte and Raleigh-Durham dominant. Asheville STR contested. Kiavi follows standard business-purpose loan structures.
Kiavi funds fix-and-flip, BRRRR, rental, bridge, new-construction in North Carolina.
North Carolina allows standard DSCR prepay structures; Kiavi typically uses 3-5 year step down.
Kiavi typical close: 7-14 days typical.
Bottom line
Kiavi in North Carolina works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with Kiavi.